Saturday 17 October 2026
Export UBSI’s income statement to Excel — free account
United Bankshares, Inc.
UBSI Financial Banks Regional
United Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 12.0% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 11.8%, free cash flow grew 14.6% and total debt fell 3.34%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for three; insiders bought in the last twelve months.
46.69
0.09
+0.19%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.71 | 13.65 | 13.93 | 14.28 | 12.82 | 13.79 | 15.16 | 12.65 | 22.34 | 23.17 |
Piotroski F-Score |
8 | 6 | 7 | 5 | 6 | 5 | 5 | 5 | 4 | 5 |
P/S ratio |
2.98 | 3.12 | 3.31 | 4.68 | 4.37 | 3.37 | 4.30 | 3.82 | 4.50 | 6.27 |
P/FCF ratio |
10.97 | 11.36 | 11.30 | 7.26 | 7.87 | 30.92 | 27.83 | 10.91 | 14.18 | 20.67 |
P/Operating CF |
39.11 | 37.18 | 31.24 | 39.47 | 83.24 | 20.93 | 64.37 | 42.99 | 26.39 | 75.69 |
P/B ratio |
0.99 | 1.01 | 1.06 | 1.20 | 0.99 | 0.90 | 1.17 | 1.00 | 1.05 | 1.52 |
Price to Tangible BV |
1.56 | 1.63 | 1.76 | 2.08 | 1.67 | 1.57 | 2.08 | 1.82 | 1.93 | 2.47 |
EV/Sales |
1.88 | 2.04 | 3.43 | 5.57 | 1.63 | 2.21 | 5.67 | 4.60 | 4.30 | 5.69 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
6.86 | 7.44 | 12.11 | 8.45 | 2.87 | 18.11 | 34.07 | 13.23 | 12.78 | 18.02 |
EV/FCF |
6.91 | 7.44 | 11.72 | 8.63 | 2.94 | 20.23 | 36.69 | 13.11 | 13.55 | 18.76 |
Quick Ratio |
0.09 | 0.09 | 0.07 | 0.05 | 0.16 | 0.11 | 0.06 | 0.07 | 0.12 | 0.13 |
Current Ratio |
0.99 | 0.98 | 0.98 | 0.96 | 0.94 | 0.97 | 1.05 | 1.02 | 1.04 | 1.05 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
1.58% | 1.80% | 5.98% | 7.45% | 2.79% | 3.30% | 10.62% | 8.70% | 7.94% | 7.73% |
Debt/Equity |
0.10 | 0.11 | 0.38 | 0.49 | 0.17 | 0.20 | 0.62 | 0.51 | 0.47 | 0.50 |
Asset Turnover |
0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.05 | 0.04 |
Operating CF/Net income |
1.07 | 1.19 | 1.19 | 2.00 | 1.66 | 0.49 | 0.58 | 1.15 | 1.69 | 1.16 |
Capex/Depreciation |
(140.26) | 0.02 | 0.37 | (0.46) | (0.62) | 6.99 | 0.86 | (0.15) | 0.79 | 1.88 |
| 8.86% | 7.64% | 7.89% | 8.22% | 8.16% | 7.54% | 7.86% | 7.90% | 5.50% | 7.45% | |
| 1.46% | 1.24% | 1.23% | 1.29% | 1.32% | 1.26% | 1.34% | 1.34% | 0.90% | 1.09% | |
ROIC |
10.46% | 8.96% | 5.84% | 5.37% | 16.27% | 7.61% | 4.39% | 5.24% | 5.76% | 7.24% |
Return on Tangible Assets |
(233.68%) | (109.25%) | (213.52%) | (47.30%) | (27.39%) | (71.62%) | 29.99% | 57.19% | 20.89% | 21.74% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
35.91% | 35.07% | 38.49% | 49.68% | 51.99% | 59.39% | 44.24% | 46.10% | 52.39% | 50.47% |
Intangible Assets out of Total Assets |
0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.07 | 0.08 | 0.08 | 0.08 | 0.06 |
Share Based Compensation of Revenue |
0.72% | 0.75% | 0.81% | 0.86% | 0.75% | 0.52% | 0.54% | 0.48% | 0.47% | 0.52% |
Graham Net Nets |
(0.20) | (0.23) | (0.45) | (0.61) | (0.53) | (0.40) | (0.35) | (0.41) | (0.26) | (0.15) |
Graham Number |
53.54 | 47.85 | 46.51 | 46.03 | 48.21 | 43.51 | 43.59 | 41.60 | 34.15 | 36.90 |
Earnings Yield |
8.54% | 7.32% | 7.18% | 7.00% | 7.80% | 7.25% | 6.60% | 7.91% | 4.48% | 4.32% |
Free Cash Flow Yield |
9.11% | 8.80% | 8.85% | 13.77% | 12.70% | 3.23% | 3.59% | 9.17% | 7.05% | 4.84% |
Revenue per Share |
12.87 | 12.05 | 11.42 | 8.57 | 8.30 | 9.61 | 8.99 | 8.14 | 7.75 | 7.35 |
Operating CF per Share |
3.53 | 3.30 | 3.24 | 5.65 | 4.72 | 1.17 | 1.50 | 2.83 | 2.60 | 2.32 |
Capex per Share |
(0.11) | 0.00 | 0.11 | (0.12) | (0.11) | (0.12) | (0.11) | 0.03 | (0.15) | (0.09) |
Free Cash Flow per Share |
3.41 | 3.30 | 3.34 | 5.53 | 4.61 | 1.05 | 1.39 | 2.85 | 2.46 | 2.23 |
Cash per Share |
17.97 | 16.99 | 11.89 | 8.73 | 29.07 | 18.41 | 8.24 | 9.81 | 17.09 | 19.51 |
Shareholders Equity per Share |
38.84 | 37.00 | 35.47 | 33.51 | 36.50 | 35.81 | 33.11 | 31.26 | 33.24 | 30.41 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
38.84 | 37.00 | 35.47 | 33.51 | 36.50 | 35.81 | 33.11 | 31.26 | 33.24 | 30.41 |
Free Cash Flow |
482.64 | 445.92 | 449.54 | 744.86 | 595.78 | 125.78 | 141.13 | 296.66 | 239.59 | 164.02 |
Working Capital |
(407.65) | (527.56) | (362.08) | (1,001.75) | (1,540.01) | (579.38) | 770.77 | 352.98 | 615.96 | 600.66 |
Capital Expenditures |
(16.27) | 0.46 | 14.31 | (15.96) | (13.76) | (14.67) | (10.83) | 2.62 | (14.34) | (6.72) |
Net Current Asset Value |
(1,069.94) | (1,189.66) | (2,288.77) | (3,321.35) | (2,475.54) | (1,536.21) | (1,380.33) | (1,322.51) | (898.70) | (522.40) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.00 | (0.01) | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.02 | 0.01 |
Price to Operating Income |
9.31 | 10.91 | 10.95 | 11.37 | 10.13 | 10.75 | 12.10 | 9.89 | 11.93 | 15.22 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.14 | 0.20 | 0.17 | 0.11 | (0.01) | (0.13) | (0.18) | (0.17) | (0.05) |
Cash ROIC |
5.63% | 5.70% | 5.51% | 9.44% | 6.41% | 1.71% | 2.24% | 4.99% | 3.73% | 3.42% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.03 | 0.02 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
16,922.10 | 14,797.45 | 17,301.87 | 77,119.50 | 162,702.50 | 69,180.12 | 27,383.74 | 39,576.07 | 67,480.72 | 87,555.16 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
25,511.40 | 23,390.59 | 22,561.25 | 22,826.72 | 21,967.71 | 17,218.79 | 13,923.59 | 13,912.67 | 12,313.73 | 10,069.20 |
Average Assets |
31,841.91 | 29,975.01 | 29,707.93 | 29,409.14 | 27,756.58 | 22,923.29 | 19,456.41 | 19,154.73 | 16,783.93 | 13,543.42 |
Average Common Equity |
5,244.60 | 4,882.23 | 4,643.72 | 4,617.41 | 4,508.12 | 3,830.73 | 3,307.73 | 3,246.08 | 2,738.14 | 1,974.19 |
Columns are period end dates